Systems And Methods For Creating Dynamic Programmable Credential and Security Cards

Abstract

A dynamic credential card system for interoperating with multiple different point-of-sale systems is disclosed. The system comprises three computer systems: a dynamic digital value transfer system operating on a server, a dynamic digital value transfer application operating on a mobile digital device, and a small programmable dynamic credential card system. The dynamic digital value transfer system interoperates with third party payment systems and communicates with the dynamic digital value transfer application. The dynamic digital value transfer application communicates with the small programmable dynamic credential card system. The small programmable dynamic credential card system has at least one Point-of-Sale communication system for communicating with retail Point-Of-Sale terminals.

What is claimed is: 
     
         1 . A dynamic credential card system for interoperating with multiple different point-of-sale systems, said dynamic credential card system comprising the elements of:
 a dynamic digital value transfer system executing on a networked server system, said dynamic digital value transfer system able to communicate with a plurality of third party financial payment services;   a dynamic digital value transfer application, said dynamic digital value transfer application executing on a mobile digital device with a first wireless communication system, said dynamic digital value transfer application able to communicate with said dynamic digital value transfer system using said first wireless communication system; and   a dynamic credential card, said dynamic credential card comprising
 a microprocessor system, 
 a second wireless communication system, said dynamic credential card able to communicate with said dynamic digital value transfer application on said mobile digital device using said second wireless communication system, and 
 at least one dynamic point-of-sale communication system for communicating with said multiple different point-of-sale systems, said at least one dynamic point-of-sale communication system under control of said microprocessor system. 
   
     
     
         2 . The dynamic credential card system for interoperating with multiple different point-of-sale systems as set forth in  claim 1  wherein said at least one dynamic point-of-sale communication system comprises a dynamic magnetic stripe system. 
     
     
         3 . The dynamic credential card system for interoperating with multiple different point-of-sale systems as set forth in  claim 1  wherein said at least one dynamic point-of-sale communication system comprises an EMV chip system controlled by said processor system. 
     
     
         4 . The dynamic credential card system for interoperating with multiple different point-of-sale systems as set forth in  claim 1  wherein said at least one dynamic point-of-sale communication system comprises a Near Field Communication (NFC) system controlled by said processor system. 
     
     
         5 . The dynamic credential card system for interoperating with multiple different point-of-sale systems as set forth in  claim 1  wherein said at least one dynamic point-of-sale communication system comprises a Bluetooth communication system controlled by said processor system. 
     
     
         6 . The dynamic credential card system for interoperating with multiple different point-of-sale systems as set forth in  claim 1  wherein said at least one dynamic point-of-sale communication system comprises a Radio Frequency Identifier (RFID) communication system controlled by said processor system. 
     
     
         7 . The dynamic credential card system for interoperating with multiple different point-of-sale systems as set forth in  claim 1  wherein said at least one dynamic point-of-sale communication system comprises display system controlled by said processor system, said display system capable of displaying QR codes and barcodes. 
     
     
         8 . The dynamic credential card system for interoperating with multiple different point-of-sale systems as set forth in  claim 1  wherein said dynamic digital value transfer system obtains financial account information from one of said plurality of third party financial payment services and transfers said financial account information to said dynamic digital value transfer application with said first wireless communication system, and said dynamic digital value transfer application transfers said financial account information to said dynamic credential card with said second wireless communication system. 
     
     
         9 . The dynamic credential card system for interoperating with multiple different point-of-sale systems as set forth in  claim 1  wherein said mobile digital device comprises a smartphone or smartwatch. 
     
     
         10 . The dynamic credential card system for interoperating with multiple different point-of-sale systems as set forth in  claim 8  wherein said financial account information from one of said plurality of third party financial payment services comprises a one-time-usage credential token. 
     
     
         11 . The dynamic credential card system for interoperating with multiple different point-of-sale systems as set forth in  claim 1  wherein one of said plurality of third party financial payment services comprises Automated Clearing House (ACH) for e-checks. 
     
     
         12 . The dynamic credential card system for interoperating with multiple different point-of-sale systems as set forth in  claim 1  wherein one of said plurality of third party financial payment services comprises Paypal. 
     
     
         13 . The dynamic credential card system for interoperating with multiple different point-of-sale systems as set forth in  claim 1  wherein one of said plurality of third party financial payment services comprises a Bitcoin exchange. 
     
     
         14 . The dynamic credential card system for interoperating with multiple different point-of-sale systems as set forth in  claim 1  wherein one of said plurality of third party financial payment services comprises a gift-card service. 
     
     
         15 . A method for implementing a dynamic credential card system for interoperating with multiple different point-of-sale systems, said method comprising:
 executing a dynamic digital value transfer system on a networked server system, said dynamic digital value transfer system able requesting an payment account number from a third party financial payment service;   executing a dynamic digital value transfer application on a mobile digital device, said dynamic digital value transfer application receiving said payment account number from dynamic digital value transfer system over a first wireless communication system;   receiving said payment account number into a processor system controlled dynamic credential card over a second wireless communication system; and   communicating said payment account number from said processor system controlled dynamic credential card to a point-of-sale terminal using at least one dynamic point-of-sale communication system.   
     
     
         16 . The method for implementing a dynamic credential card system as set forth in  claim 15  wherein said at least one dynamic point-of-sale communication system comprises a dynamic magnetic stripe system. 
     
     
         17 . The method for implementing a dynamic credential card system as set forth in  claim 15  wherein said at least one dynamic point-of-sale communication system comprises an EMV chip system controlled by said processor system. 
     
     
         18 . The method for implementing a dynamic credential card system as set forth in  claim 15  wherein said at least one dynamic point-of-sale communication system comprises a Near Field Communication (NFC) system controlled by said processor system. 
     
     
         19 . The method for implementing a dynamic credential card system as set forth in  claim 15  wherein said at least one dynamic point-of-sale communication system comprises a Bluetooth communication system controlled by said processor system. 
     
     
         20 . The method for implementing a dynamic credential card system as set forth in  claim 15  wherein said at least one dynamic point-of-sale communication system comprises a Radio Frequency Identifier (RFID) communication system controlled by said processor system. 
     
     
         21 . The method for implementing a dynamic credential card system as set forth in  claim 15  wherein said at least one dynamic point-of-sale communication system comprises display system controlled by said processor system, said display system capable of displaying QR codes and barcodes. 
     
     
         22 . The method for implementing a dynamic credential card system as set forth in  claim 15 , said method further comprising:
 requesting a one-time-usage credential token from said third party financial payment service;   transmitting said one-time-usage credential token to said dynamic digital value transfer application on said mobile digital device;   transmitting said one-time-usage credential token from said dynamic digital value transfer application to said processor system controlled dynamic credential card; and   communicating said one-time-usage credential token from said processor system controlled dynamic credential card to a point-of-sale terminal using at least one dynamic point-of-sale communication system.   
     
     
         23 . The method for implementing a dynamic credential card system as set forth in  claim 15  wherein said mobile digital device comprises a smartphone or smartwatch. 
     
     
         24 . The method for implementing a dynamic credential card system as set forth in  claim 15  wherein said dynamic credential card further comprises a GPS receiver system. 
     
     
         25 . The method for implementing a dynamic credential card system as set forth in  claim 15  wherein said third party financial payment service comprises Automated Clearing House (ACH) for e-checks. 
     
     
         26 . The method for implementing a dynamic credential card system as set forth in  claim 15  wherein said third party financial payment service comprises Paypal. 
     
     
         27 . The method for implementing a dynamic credential card system as set forth in  claim 15  wherein said third party financial payment service comprises a Bitcoin exchange. 
     
     
         28 . The method for implementing a dynamic credential card system as set forth in  claim 15  wherein said third party financial payment service comprises a gift-card service.